Pension Aggregation

Individuals who have one or more existing pensions that are either ‘deferred’ or ‘frozen’, may have the option to transfer these into the Crystal Trust (Crystal) to ‘aggregate’ their benefits.

‘Deferred’ or ‘frozen’ means no longer paying contributions but the funds are still invested or there is a future pension entitlement.

‘Aggregation’ means combining some or all of the pension funds held by an individual to create one larger fund. This may provide a greater outcome at retirement.

An individual who has chosen to aggregate their pension funds will then be able to invest in one of the Crystal options.

Please contact the Crystal Administration Team if you are considering ‘aggregation’.


Read online or download the full Crystal Booklet